Better my insurance deal

[306Puggy]

Okay, since I am always reading on this website about people getting insurance at 17 for £1000 pounds per year or something (okay maybe slight sarcasm ) and I can never seem to "be in the right place at the right time", I decided to give you guys the job.

Basic details:

Driver:

23 (at time of renewnal, 24 one month after)

Living in a good postcode area

4 years NCB (would have been five but I had to SORN the car for some time whilst I was at Uni which changed the renewal date from April to October and therefore lost a year of NCB as a result)

No pts

IAM Advanced Driver

Car:

Peugeot 306 DT

No mods

Best quote from Endsleigh

£644.74p

Is this good or a rip? Thanks lads.

[1616six]

Doesn't sound terrible, fill the form in, in the traders section & i'll see what I can do?

Obviously best to declare your mods though..

[Midnightclub]

I wouldn't exactly say it's good.... I paid £633 mods declared at 21.. with 3 points on the 6

[Frosty]

Seems a bit high compared to what I paid. I'm 21 with 3 years NCB. I paid 676 I think with a lot of mods.

That was with Adrain flux with help from Jordan

[Jonny81191]

Seems a little high, try the modified specialist companies and declare the mods. You'll probably find it's cheaper to insure modified anyway.

[Just Sean]

I paid 699 4years ncb at 22 with mods declared up to 180bhp for the 6.

And that's at a military camp.

[mr_fish]

My 206 (ok not a 306 - but still a fair list of modifications)
ALL mods declared (including engine change and power increase)
£575 with Flux
and I'm 23

[Curt]

It's stupid not to declare mods now when it usually doesn't cost any more/actually costs less. Not worth the risk.

I wouldn't say that's very good, so shop around. Brentacre and Greenlight are brilliant.

23, 4 or 5 years NCB (can't remember), 3 points and 5mph bump. £728 all mods declared and covered like for like including audio, with a 230bhp limit.

[C.A.R.]

Are you just using online comparison sites?

They're only good to get you a 'guide' price, often you can shave another £80-120 off those (from my experience anyhow)

Phone Brentacre
Phone Flux
Phone Chris Knott
Phone Prestige (details on the OC website)

Whichever 2 are cheapest from that lot play them off against each other. It's frustrating and involves repeating yourself over and over again but it's well worth it if money is at stake.

One trick I also found is that I have to pay monthly due to not being a rich bitch. They'll give you a price over the phone for an annual policy in one hit. Ask the other company if they can match the cheapest price by means of a monthly payment setup. It does work, trust me.

It's all bullshit anyway. Just be totally honest before you pull the trigger cos most companies will charge a hefty cancellation fee if you've missed something critical.

[bigcheez2k3]

I'd say that's a good price. I paid £850ish in August for a year with mods like engine change, lowered over 60mm, etc

I'm 22, 4 years ncd, no points and no claims.

Tbf, I did mess up and leave it too late to shop around too much.

[Piggy]

850?! thats stupidly expensive.

I paid that at 18 for a imported colt gti with mods declared and no ncb!!

im 25, 4yrs ncb, all mods declared, 175bhp limit with brentacre for around £400

[THE_Liam]

Not declaring your mods is just daft, especially considering the threads you've posted on a public forum about fitting bigger turbos. Have a crash or even just get stopped by a particularly arsey copper and you'd end up with a lot of unecessary hassle.

Doesn't sound like a great deal, 26yr old, band F postcode, 7 years NCB, all mods declared I'm paying £305 fully comp....

[Mattcheese31]

i'm paying £200 with 4 years ncb, i am a bit older than some of you lads though

[306Puggy]

Thanks for the replies lads I already had it in my mind to try the following, as C.A.R. said:

Chris Nott
Brentacre
Adrian Flux
Greenlight

I will add Prestige to that list as well now.

Piggy, dont' starting being daft again. The only way to get insurance that cheap at 18 is to front, which I doubt would be that cheap on an import even if you were fronting. Stop trying to wind people up, ta.

[1616six]

Flynn please bare in mind that non declaration of modifications is as good as not bothering with insurance.

If you are forking out the upper side of three figures for insurance - Surely you want to spend it on something that is actually going to cover you?

You openly state on various threads including pictures of your car that you have alloy wheels, a tuned bosch pump, LDA grind, & what looks to be an uprated turbo in the pipeline?

Declaring mods can actually reduce your premium with certain insurers, as some of you have found out speaking to us.

[rocker8742]

I paid 699 4years ncb at 22 with mods declared up to 180bhp for the 6.

And that's at a military camp.

Just renewed on the 6 at 21 4years ncb for £411 so I'm happy

[Toms306]

And that's at a military camp.

Surely that makes it cheaper? I can't imagine there are many thefts there lol.....


As for insurance, Admiral are still cheapest for me (with two female named drivers). £450 a year for the Vectra. 21 with 4 NCB. Will go up by £20 if I change to another Golf.... Will go up by £70 if I change to another HDi!

[Piggy]

Piggy, dont' starting being daft again. The only way to get insurance that cheap at 18 is to front, which I doubt would be that cheap on an import even if you were fronting. Stop trying to wind people up, ta.

front?! no idea what that means.

you dont have to be believe me...I dont really care but if you want to silly enough to pay that price then go ahead.

we are talking 7yrs ago mind. was adrian flux that I was with then.

[kentiiboii]

Amazes me how people get these prices.
I pay £900 with brentacre im 21 3ncb hdi with mods declared up to 130bhp limit.

[Piggy]

^^^^^^

you got any points/accidents?? that seems pricey

[bigcheez2k3]

850?! thats stupidly expensive.

I paid that at 18 for a imported colt gti with mods declared and no ncb!!

im 25, 4yrs ncb, all mods declared, 175bhp limit with brentacre for around £400

That's the cheapest I've ever had. I think my postcode is rated an E, so one away from being the worst.

I paid £144 for the year on that moped with 1 years ncd while I know people who pay £60 for a year on them...hell I know people who pay £98 a year to insure an aircooled beetle ffs.

[adamm306]

postcode is what majorly effects the insurance.. NCB doesnt really make much difference

for instance

for me its £759 for a 306 DT all mods declared no NCB and a fault accident at 21

and thats with admiral. im sure modified companies could probably beat that to

[Mattcheese31]

postcode is what majorly effects the insurance.. NCB doesnt really make much difference

for instance

for me its £759 for a 306 DT all mods declared no NCB and a fault accident at 21

and thats with admiral. im sure modified companies could probably beat that to

well you say that mate but i live in a bad postcode area . . . . a lot of it is down to knowing how to play the insurance game . .

[Just Sean]

And that's at a military camp.

Surely that makes it cheaper? I can't imagine there are many thefts there lol.....

You'd think with armed guards on the gate!! Got the ira to thank for that though!

[Dean]

i'm paying quite a bit, but there again in 22, with no no claims thanks to the snow :\ but fortunately no points. (touch wood)

[Stephen]

I think it goes down alot to where you live tbf
I pay about £600 for my dt with all mods declared
If i was to swap to my 130 mondeo its a bit cheaper and im 20
I am on a admiral multicar policy with my family though so that helps!

Piggy more then likely got that price when he was 18 as, as he said it was 7 years ago!

[Curt]

postcode is what majorly effects the insurance.. NCB doesnt really make much difference

for instance

for me its £759 for a 306 DT all mods declared no NCB and a fault accident at 21

and thats with admiral. im sure modified companies could probably beat that to

well you say that mate but i live in a bad postcode area . . . . a lot of it is down to knowing how to play the insurance game . .

...and being an old man

[Sian]

Where you car is overnight changes the price also eg road side or garage! But i only pay £40 a month for the 6 so cant complain :L

[Mattcheese31]

postcode is what majorly effects the insurance.. NCB doesnt really make much difference

for instance

for me its £759 for a 306 DT all mods declared no NCB and a fault accident at 21

and thats with admiral. im sure modified companies could probably beat that to

well you say that mate but i live in a bad postcode area . . . . a lot of it is down to knowing how to play the insurance game . .

...and being an old man

touche' . . .. . . . . . .however, my insurance is lower than my uncle's who is 64 with full no claims, like i said, cha gotta learn how to play the game . .

[306Puggy]

I think it goes down alot to where you live tbf
I pay about £600 for my dt with all mods declared
If i was to swap to my 130 mondeo its a bit cheaper and im 20
I am on a admiral multicar policy with my family though so that helps!

Piggy more then likely got that price when he was 18 as, as he said it was 7 years ago!

Seven years ago I was looking for insurance on my dad's Toyota Corolla 2D (yes that's D as in diesel, no turbo) which was slower than an oil tanker but they wanted £3000 to insure me as a learner from confused.com. I distinctly remember that.

So I am highly sceptical being that he was talking about:

1. An import
2. A GTi
3. Being 18 with no experience

But knowning Piggy he's going to claim something-or-a-rather is going to have made it possible But it's interesting to find out.

BTW, the way you say "7 years ago" makes me feel old! The thread has run it's course so feel free to discuss this.